5-7-9 % Loans

The program provides for simplification of access of enterprises to bank lending - namely, the opportunity to receive a loan at a reduced interest rate through state compensation of interest rates to the level of 5%, 7% and 9% per annum for loans in national currency.

Pivdenny Bank is an Authorized Bank of the Entrepreneurship Development Fund for participation in the State Program "Affordable Loans 5-7-9%”. The program is implemented with the support of the President and the Government of Ukraine.

Program objectives

  • Investment
  • Replenishment of working capital


  • Legal entities and individual entrepreneurs (residents of Ukraine)
  • Borrower and ultimate beneficial owner are are residents of Ukraine
  • The total amount of state support received under any program during a three-year period may not exceed the equivalent of EUR 200,000 (during martial law, the limitation of the amount of state support does not apply)
  • Compensation interest rate (rate for the client) depends on the purpose of financing, the amount of annual income from business activities and from the number of jobs created.


Investment goals

Working capital financing

Interest rate (for a customer), per annum




For business entities operating in a high military risk zone

1% during the first 2 years of financing, then 5% per annum


Interest rate by priority areas:

For business entities operating in the processing industry under all codes of the classifier of types of economic activities (KVED) of Section C of the National Classifier of Ukraine





For business entities that need to rebuild destroyed businesses and production facilities damaged as a result of the military aggression  of the russian federation

For business entities that provide energy services to improve the energy efficiency of public and municipal facilities

Borrower’s annual income

up to EUR 10 million

EUR 10-50 million

up to EUR 10 million

EUR 10-50 million

*with the option to reduce to annual rate 5% (for creation of 2 new vacancies), quarterly review of the interest rate

** with the option to reduce to annual rate 0,5 % for each new vacancy (but not less than annual rate 7%), quarterly review of the interest rate